The earnings call presented both positive and negative aspects. Cathay General Bancorp experienced significant increases in net income, EPS, and loan growth. However, challenges included a rise in net charge-offs, nonaccrual loans, and increased noninterest expenses.

Company Guidance -

Q3 2025

During Cathay General Bancorp's Second Quarter 2025 Earnings Conference Call, the company reported a net income of $77.4 million, marking an 11.4% increase from the previous quarter. The diluted earnings per share rose by 12.2% to $1.10. Notably, the company repurchased 804,179 shares for $35.6 million under its stock repurchase program. Loan growth was robust, with total gross loans increasing by $432 million, primarily in commercial and commercial real estate loans, prompting a revision of the 2025 loan growth guidance to 3% to 4%. The net interest margin saw a slight increase to 3.27%, aided by lower funding costs. Despite the improvements, net charge-offs rose to $12.7 million, and nonaccrual loans increased to 0.9% of total loans. The effective tax rate was updated to between 18.5% and 19%, reflecting changes in California tax legislation. Additionally, the company's Tier 1 leverage capital ratio slightly increased to 11.07%, while both the Tier 1 and total risk-based capital ratios experienced minor declines.

Increased Net Income and EPS

Cathay General Bancorp reported a net income of $77.4 million for Q2 2025, an 11.4% increase compared to Q1 2025. Diluted earnings per share increased by 12.2% from $0.98 in Q1 2025 to $1.10 in Q2 2025.

Significant Loan Growth

Total gross loans increased by $432 million or 8.9% annualized, primarily driven by increases in commercial loans, commercial real estate loans, and residential loans.

Deposit Growth

Total deposits increased by $189 million or 3.8% annualized during Q2 2025, with core deposits increasing by $120 million.

Strong Liquidity Position

Cathay General Bancorp maintained more than 100% of the uninsured and uncollateralized deposits in available liquidity sources.

Improved Noninterest Income

Noninterest income for Q2 2025 increased by $4.2 million compared to Q1 2025, driven by higher foreign exchange income and derivative fee income.

Cathay General Bancorp (CATY) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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CATY Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 27, 2025	2025 (Q3)	1.15 / -	0.94	―	―	―
Jul 22, 2025	2025 (Q2)	1.09 / 1.10	0.92	19.57% (+0.18)
Apr 21, 2025	2025 (Q1)	0.95 / 0.98	0.98	0.00% (0.00)
Jan 22, 2025	2024 (Q4)	1.10 / 1.12	1.13	-0.88% (>-0.01)
Oct 21, 2024	2024 (Q3)	0.95 / 0.94	1.13	-16.81% (-0.19)
Jul 22, 2024	2024 (Q2)	0.94 / 0.92	1.28	-28.13% (-0.36)
Apr 22, 2024	2024 (Q1)	0.98 / 0.98	1.32	-25.76% (-0.34)
Jan 24, 2024	2023 (Q4)	1.07 / 1.13	1.33	-15.04% (-0.20)
Oct 23, 2023	2023 (Q3)	1.09 / 1.13	1.35	-16.30% (-0.22)
Jul 24, 2023	2023 (Q2)	1.13 / 1.28	1.18	8.47% (+0.10)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

CATY Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 22, 2025	$47.89	$48.53	+1.34%
Apr 21, 2025	$38.30	$41.02	+7.10%
Jan 22, 2025	$48.04	$46.18	-3.87%
Oct 21, 2024	$43.63	$44.41	+1.79%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Cathay General (CATY) report earnings?

Cathay General (CATY) is schdueled to report earning on Oct 27, 2025, After Close (Confirmed).

What is Cathay General (CATY) earnings time?

Cathay General (CATY) earnings time is at Oct 27, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is CATY EPS forecast?

CATY EPS forecast for the fiscal quarter 2025 (Q3) is 1.15.

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